Natural hazards · Andover

Andover, IL natural hazards

Most of the natural-hazard damage FEMA expects in Andover comes from inland flooding, and overall the risk is low for a U.S. community. 4 federal disasters brought FEMA money into town.

FEMA National Risk Index, December 2025 · OpenFEMA claims, aid & declarations

Expected damage

How exposed is Andover?

Low

vs. U.S. communities

FEMA expects yearly storm and flood damage to homes and buildings in Andover to be higher than in 39% of U.S. communities, mostly from inland flooding and strong winds.

Inland flooding33%Strong wind22%Tornadoes13%Drought12%Cold waves7%Everything else13%

By hazard

What Andover faces

Each hazard’s share of the damage FEMA expects here, and how that compares with the rest of the country.

Inland flooding

33% of expected damage

Below average · higher than 34% of U.S. places

Recorded about 2 times a year in the area

Strong wind

22% of expected damage

Well above average · among the top 1% of U.S. places

Recorded about 6 times a year in the area

Tornadoes

13% of expected damage

Well above average · higher than 81% of U.S. places

Recorded about once every 10 years in the area

Drought

12% of expected damage

Recorded about 9 times a year in the area

Cold waves

7% of expected damage

Well below average · higher than 17% of U.S. places

Recorded about 5 times a year in the area

Lower here

HurricanesHailIce stormsWinter weatherHeat wavesWildfireEarthquakesLandslidesLightning

Not a risk here

Coastal floodingAvalanchesTsunamisVolcanic activity

Flood risk changes street by street. Check a specific address on FEMA’s flood map, and ask about flood insurance before you buy.

Flood insurance claims

Does Andover flood?

FEMA's records show no paid flood insurance claims in Andover.

of homes in flood zones
are insured

of all homes
are insured

No community discount. Andover isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.

Insurance rates: Henry County.

Disasters that hit Andover

4 federal disasters brought FEMA money here

Disasters the President declared that paid out in Andover itself: aid to households, or repair grants to the Village of Andover.

Brought FEMA money into AndoverDeclared for Henry County only

2024

Severe Storms, Tornadoes, Straight-Line Winds, and Floodng

2 households applied for aid $2K aid approved

2013

Severe Storms, Straight-Line Winds, and Flooding

1 household applied for aid $1K aid approved

2000

Illinois Winter Snow Storms

$798 to the Village of Andover for repairs

1999

Il-Winter Storm 1/1/99

$2K to the Village of Andover for repairs

Henry County has had 14 natural disasters declared since 1953, most often floods and winter storms.

About these numbers

How to read this page

An average, not a forecastFEMA’s National Risk Index estimates the damage 18 kinds of natural hazards cause in a typical year, from decades of records and models. A quiet decade can follow a bad year.

Compared by rate“Higher than N%” compares yearly damage as a share of what’s here, so a big city isn’t rated riskier just for having more buildings. Andover is smaller than a census tract, so it shares the figures of the tract around its center.

Money that reached townFlood claims are matched to Andover’s own flood-insurance community; household aid to the registrant’s city; repair grants to the Village of Andover. FEMA’s model follows property values, so a place that recently lost many homes can rate lower than it feels.

Sources: FEMA National Risk Index (December 2025); OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Census tracts: U.S. Census Bureau.